That Letter form Lowell Solicitor refers to you having been sent (at some time) a CCA.
You wrote here that the CCA request was sent to Lloyds and received back in June 2014
Originally posted by joshing
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Has Niddy seen this "copy of application form & statement of Account." ?
Originally posted by joshing
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Diana has already pointed out "..Why was the credit agreement deemed enforceable in 2014? What was right with it? There are more ways for a debt to be unenforceable than just the credit agreement. A compliant Default Notice will be needed as one example..."
They have given a date 19 April and then reiterating the Pre Action Process (that's NOT a direct threat to issue an immediate Claim).
By then or within a day or so the SAR should be with you. The SAR should give you the information to properly assess your situation.
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